I received several harrassing phone calls at my home about a 10-11 year old Montgomery Ward account.including interest & blah blah blah the total was $2300. BUT, If I settled now, they offered to settle for $566...
Told them to send me documentation... Didn't receive, just alot of threatening letters... And an agreement to settle for $566... Which I said ok... I owed the debt (BUT I KNOW it wasn't even close to $566, but I figured it was better than $2300), scared to death that they were going to ruin my credit, I agreed. Signed the paper.
Sent in downpayment of $50 and agreed to $25 month payments until $566 debt was paid in full. Alas, I get a letter 2 weeks later and they GOT me! Since I didn't pay the full $566 in that one lump some, I was now responsible for the entire $2300! So until this very moment, I have sent them a check every month for that darn $25, I have paid well over the $566 I agreed to.
After getting no reply to the letter I wrote about how unfair I thought they were, I sent a 2nd and 3rd letter to them trying to resolve the matter, I have made copies of all of my letters to them and told them if they didn't resolve the matter within a short amount of time I would turn the matter over to my attorney and the NYS Attorney General. Has done me no good.
I'm still paying... UNTIL NOW! Since I've found this site, I'm going to sit back for awhile and see what happens. If anyone has any suggestions, tell me what I should do next!
I have always paid the account by having my husband write a check out of HIS checking account, so they have no information on my own. Do they dare try to go after his account for future payments?
Any advise from anyone on what I should do next? I am furious about this from the start, but now that I see I am not the only one being scared/freaked out by this company, I am even more mad! Any suggestions?
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